Knowing that good health is your prime concern, MassMutual Asia is proud to offer you its PrimeHealth Extra Saver. The plan offers not only multiple protections to safeguard your health, but also guaranteed refund of premiums, providing you with health and wealth protection. What's more, you can spend the cash reimbursement at your total discretion to cover medical expenses as well as loss of income.




Extra Coverages up to 700% of Basic Sum Insured

PrimeHealth Extra Saver covers up to 116 Critical Illnesses, i.e., 53 Major Critical Illnesses and 63 Early Stage Illnesses, including various Carcinoma-in-situ/Early Stage Cancers and Severe Child Diseases. All Critical Illnesses are being categorized into 5 Critical Illness Groups, namely, "Cancer", "Cardiovascular Diseases", "Brain Diseases / Disorders", "Organ Critical Illness and Failure" and "Other Critical Illnesses". Each Group offers an individual maximum benefit, with the maximum aggregate benefits of all Groups up to 700% of the Basic Sum Insured1, and benefits are provided in two phases.



Phase 1: 100% of Basic Sum Insured


This phase provides a total benefit of 100% of the Basic Sum Insured plus the non-guaranteed "Terminal Bonus", with coverage of 116 "Early Stage Illnesses" and "Major Critical Illnesses", up to age 100.



Phase 2: 600% of Basic Sum Insured


After the total benefit paid has reached 100% of the Basic Sum Insured, the policy will remain in force and continue to offer the Insured with "Major Critical Illnesses"4 coverage of up to 600% of the Basic Sum Insured during Phase 2, subject to the remaining benefit in each Critical Illness Group. The coverage may last up to age 75.










Extra Claims for Extra Peace of Mind

In view of the high risk of cancer recurrence5, PrimeHealth Extra Saver provides extra coverage for Cancer, which can be claimed up to five times, with benefit limit up to 300% of the Basic Sum Insured. For Angioplasty and Other Surgeries for Coronary Artery, the claim may be made twice.









Extra Guarantees

Guaranteed Refund of Premiums – In Phase 1, if you surrender the policy at the 18th policy anniversary onwards, the plan offers you a guaranteed "Refund of Premiums"9 and a non-guaranteed "Terminal Bonus", without deduction of any claims paid. What's more, starting from the third policy anniversary onwards, the plan offers you a partial "Refund of Premiums" upon policy surrender.




Guaranteed Waiver of Premiums - After the total benefit paid has reached 100% of the Basic Sum Insured, not only can you continue to enjoy coverage of "Major Critical Illnesses" with total benefit up to 600% of the Basic Sum Insured up to age 75, but also a waiver of premiums for the remaining premium-payment term while the policy remains in force.





Extra Life Protections for Your Loved Ones

Extra Life Protection – In the unfortunate event of the death of the Insured during Phase 1, the life protection benefit will be paid to the beneficiary.




Extension of Life Protection - We understand that, if diagnosed with a critical illness, you may like to give extra protection to your family. Therefore, you may opt to take out a permanent life insurance plan10 without the need to provide any satisfactory proof of insurability within 90 days following the end of one year after the diagnosis date of a covered Critical Illness, which results in the total benefit paid reaching 100% of the Basic Sum Insured. The Basic Sum Insured may be up to 100% of the Basic Sum Insured under the original plan.



Extra Medical Support


MediNet Pro - Currently, more than 4,000 US hospitals are members of the MediNet Pro network. If the Insured has been diagnosed with any of the covered illnesses, the following services are available: 1) second medical opinion provided by US medical specialists 11, and 2) quality treatment referrals in the USA 11 - the Insured can receive quality treatment at a discounted price.





1 If more than one Critical Illness diagnosed on the same day are arising from the same illness or injury, the claim will be paid once only for the Critical Illness with higher benefit amount.
2 The maximum aggregate benefits for Early Stage Illnesses are up to 100% of the Basic Sum Insured plus the non-guaranteed "Terminal Bonus " or Cash Value (whichever is higher).
3 From the 18th policy anniversary onwards, the "Terminal Bonus" will be declared annually for the following twelve-month period and will be payable upon the death of the Insured, the total benefits paid reaching 100% of the Basic Sum Insured, or upon the maturity or surrender of the policy.
4 Conditions for the coverage of "Major Critical Illnesses" in Phase 2:
  (a) the Insured must survive for at least 14 days from the date of diagnosis of Major Critical Illness; and
  (b) the period elapsed between the diagnosis dates of a Major Critical Illness and the immediate preceding Major Critical Illness must be at least one year, and:
       i) if the diagnosed Cancer is a Recurrence of the Relevant Preceding Cancer, the diagnosis date of the subsequent Cancer must be at least five years after the
          date of complete remission of the Relevant Preceding Cancer;
       ii) if the Insured has received Major Critical Illness benefit for Cancer and is subsequently diagnosed with "Group 4: Organ Critical Illness and Failure", the period
          elapsed between the two diagnosis dates must be at least five years;
       iii) if the immediate preceding Major Critical Illness claim is for Dysfunction, Terminal Illness or Total and Permanent Disability, the period elapsed between the two 
          diagnosis dates of the subsequent Major Critical Illness and the above illnesses must be at least five years; and
  (c) coverage is not applicable to Dysfunction, Terminal Illness, Total and Permanent Disability.
5 Recurrence of Cancer means a Cancer which is caused by "the same malignant cells that caused the preceding Cancer" or "metastasis of the preceding Cancer".
6 Benefits for up to two different types of "Carcinoma-in-situ/Early Stage Cancer" can be claimed once each.
7 To be eligible for a claim, the coronary artery must have stenosis of 50% or higher; to be eligible for a second claim, in addition to the above-mentioned criterion, the treatment must also be performed on a location of stenosis or obstruction in a major coronary artery where no stenosis greater than 60 percent was identified in the medical examination report relating to the first claim.
8 Subject to US$37,500 / HK$/MOP300,000 per type of illness per life limit under all benefits issued by the Company.
9 Guaranteed Refund of Premiums is only applicable to the policy if total benefit paid has not reached 100% of the Basic Sum Insured. The calculation of Total Premiums paid is based on the "Annual Premium of Basic Plan" (excluding extra loading premiums).

10 Only applicable to the Insured aged below 76.

11 MediNet Pro is provided by Inter Partner Assistance Hong Kong Ltd. The current administration fee for each Second Medical Opinion is HK$500. For each referral to medical treatment in the USA, the current administration fee is US$500. The Insured is also responsible for paying the administration fee and for any medical treatment and other related costs in the USA. Inter Partner Assistance Hong Kong Ltd. reserves the right to review the price and the number of hospitals from time to time without prior notice. The Company reserves the right to change or cease this service at any time.
12 Once insured, the premiums will not increase as the age of the Insured increases. However, the Company reserves the right to adjust the premium rate for all Insured of the same risk class.
13 The maximum aggregate Sum Insured of all PrimeHealth Diabetes Care, Supplementary Cancer Benefit, PrimeHealth Saver 1000, PrimeHealth Extra Saver, PrimeHealth Benefit, PrimeHealth Extra Care, PrimeHealth Saver 100+, Critical Illness Supreme 100+ Premium Refundable Plan, Critical Illness Supreme Benefit, Critical Illness Plus 100% Premium Refundable Plan, Critical Illness Benefit, Critical Illness Extra Benefit, Critical Illness Double Benefit, Comprehensive Cancer Benefit, Total and Permanent Disability Benefit and Update Jr. Health Benefit under the same Insured with the Company is US$1,500,000/HK$/MOP12,000,000.



The above contains general information, is for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555.

YF Life Insurance International Ltd. is not a subsidiary or a group company of Massachusetts Mutual Life Insurance Company.